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Financial Advisor

Tony Gruba

    Meet Tony.

    With over 15 years of experience as a financial advisor, I offer insight and perspective for clients at all phases of their life to help them make their most important financial goals a reality.

    I’m a Registered Representative of CUNA Brokerage Services, Inc., and a member of FINRA and SIPC. Prior to my career, I attended St. Cloud State University, where I studied business and captained the hockey team. I have two active teens and enjoy supporting their passions. Much of my free time is spent traveling, attending country concerts, and watching hockey.

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    Schedule a meeting with Tony.

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    Ask me anything.

    How much should I really save for my kid’s college?
    There’s no one-size-fits-all answer here. You need to decide how important this goal is relative to other financial goals you may have, such as retirement and debt reduction, and then we can help you allocate resources appropriately from there.
    What is the difference between an IRA and Roth IRA?
    You generally receive a tax deduction for contributions to IRAs but have to pay tax on withdrawals in retirement. You don’t receive a tax deduction for contributions to Roth IRAs but you generally can take withdrawals in retirement completely tax free.
    Is it more important to invest or pay down debt?
    Many clients see debt reduction as a primary goal, specifically when it comes to their mortgage. Compounding is a powerful tool in wealth creation, and I’d hesitate to withdraw from an asset historically returning above 9% to pay off a debt charging 3% interest. I’d prefer a client strive for the ability to be debt free and not necessarily actually be debt free.